Community Bank of Smith County in Carthage, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2005

  • Community Bank of Smith County in Carthage, Tennessee (TN)
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Community Bank of Smith County - Overview

  • General
  • FDIC Certificate #: 34368
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Wilson Bank and Trust (#26962)
    Federal Reserve ID: 2497190
    Date Established: December 16, 1996
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 57127
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 16, 1996
    Last Structure Change Effective Date: April 01, 2005
    Last Structure Change Process Date: April 13, 2005
    Last Data Update: April 13, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 1300 Main Street North, Carthage, TN 37030
    County: Smith
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
    Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
    CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
  • Financial Summary
  • Total assets: $90.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2004)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $81,610Total assets
  • $1,360Cash and due from depository institutions
  • $0Interest-bearing balances
  • $10,307Securities
  • $1,957Federal funds sold & reverse repurchase agreements
  • $64,242Net loans & leases
  • $1,045Loan loss allowance
  • $0Trading account assets
  • $2,428Bank premises and fixed assets
  • $33Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,283All other assets
  • $81,610Total liabilities and capital
  • $75,400Total liabilities
  • $74,419Total deposits
  • $68,958Interest-bearing deposits
  • $74,419Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $685Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $296All other liabilities
  • $6,210Total equity capital
  • $6,210Total bank equity capital
  • $6,210Perpetual preferred stock
  • $0Common stock
  • $1,917Surplus
  • $2,378Undivided profits
  • Memoranda
  • $1,915Noncurrent loans and leases
  • $5,087Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $787Earning assets
  • $0Long-term assets (5+ years)
  • $727Average Assets, year-to-date
  • $76,506Average Assets, quarterly
  • $19,062Volatile liabilities
  • $74,902Insider loans
  • $80,405FHLB advances
  • $27,265Loans and leases held for sale
  • $1,201Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,087Total unused commitments
  • $0Restructured Loans and leases
  • $731Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $4,871Total interest income
  • $1,648Total interest expense
  • $3,223Net interest income
  • $650Provision for loan and lease losses
  • $781Total noninterest income
  • $0Fiduciary activities
  • $559Service charges on deposit accounts
  • $0Trading account gains & fees
  • $222Additional noninterest income
  • $2,482Total noninterest expense
  • $981Salaries and employee benefits
  • $370Premises and equipment expense
  • $1,131Additional noninterest expense
  • $872Pre-tax net operating income
  • $0Securities gains (losses)
  • $323Applicable income taxes
  • $549Income before extraordinary items
  • $0Extraordinary gains - net
  • $549Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $290Sale, conversion, retirement of capital stock, net
  • $283Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.97%Yield on earning assets
  • 2.36%Cost of funding earning assets
  • 4.61%Net interest margin
  • 1.12%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 9.15%Return on equity (ROE)
  • 4.43%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 224.14%Credit loss provision to net charge-offs
  • 5.25%Efficiency ratio
  • 61,988Assets per employee
  • 3.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.55%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 132.78%Noncurrent assets plus other real estate owned to assets
  • 1.00%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 86.32%Net loans and leases to core deposits
  • 134.29%Equity capital to assets
  • 7.61%Core capital (leverage) ratio
  • 7.52%Tier 1 risk-based capital ratio
  • 10.87%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $74,902Average earning assets
  • $6,002Average equity
  • $69,927Average loans

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